Welcome to your go-to guide on how to hire a quantity surveyor in New Zealand—whether you’re building your dream home, planning a renovation, or managing a commercial project. Choosing the right quantity surveyor (QS) can make all the difference when it comes to staying on budget, avoiding costly surprises, and keeping your project on track. In this article, we’ll break down what a QS actually does, when you need one, how much they typically cost in NZ, and what to look for when hiring. Whether you’re completely new to the process or just want to make a more informed decision, this guide is here to help you navigate it all with confidence.
To hire a quantity surveyor in NZ, start by identifying your project needs and budget, then look for qualified professionals with experience in similar builds. Check for memberships with NZIQS or RICS, review past projects, and ask key questions about their fees, timeline, and scope of services. You can find reputable quantity surveyors through industry directories, referrals, or online reviews.
Table Of Contents
What Does A Quantity Surveyor Actually Do?
If you’re planning to build, renovate, or develop property in New Zealand, you’ve probably heard the term quantity surveyor thrown around—but what do they actually do? In plain English, a quantity surveyor (often called a QS) is your go-to expert for anything involving construction costs, budgeting, and financial management throughout your project. Think of them as the money side of your building team.
Plain English Breakdown: They’re Your Budget Bodyguard
At the core, a quantity surveyor helps you figure out how much your project will cost, ensures your budget is used wisely, and keeps an eye on expenses as the build progresses. They don’t swing hammers or draw up blueprints—but they make sure you don’t get hit with surprise costs or budget blowouts. Whether you’re a homeowner doing a renovation or a developer building multiple units, a QS gives you a clear financial roadmap.
Roles In Residential And Commercial Projects
While the scope can vary depending on the project, a QS typically plays a vital role in both residential and commercial construction.
- Residential Projects: They work with homeowners and builders to estimate renovation or building costs, help with selecting contractors, and manage payments throughout the job.
- Commercial Projects: They’re more deeply involved—handling large-scale cost planning, contract negotiation, cash flow forecasting, and compliance with building codes or legal requirements.
No matter the size of the project, their role is to ensure financial clarity, prevent costly errors, and act as a neutral advisor when challenges pop up.
Key Responsibilities Of A Quantity Surveyor
Here’s a breakdown of the major tasks they typically handle.
- Cost Estimating: Early in the project, they assess drawings and plans to provide an estimate of how much the build will cost—before any ground is broken.
- Budgeting & Cost Planning: They help you set a realistic budget and create a cost plan to guide the entire project.
- Tendering: When it’s time to choose a builder or contractor, they prepare detailed documentation and evaluate bids to ensure you’re getting value—not just the lowest price.
- Contract Administration: They help draft, review, and manage building contracts to protect your interests and avoid disputes.
- Progress Claims & Variations: As the project moves forward, they assess work completed and approve payments. They also handle cost changes (known as variations) that arise during the build.
How They Save You Money (And Stress)
Hiring a quantity surveyor is an investment that often pays for itself. Here’s why.
- They catch budget blowouts before they happen.
- They help you avoid being overcharged or paying for incomplete work.
- They negotiate with contractors on your behalf to get fair pricing.
- They provide real-time financial updates, so you’re never in the dark about costs.
- They reduce stress by managing paperwork, contracts, and financial disputes—so you can focus on the build, not the bills.
A quantity surveyor keeps your project financially on track and gives you peace of mind from start to finish. Whether you’re building a new home in Auckland or managing a commercial fit-out in Wellington, having a QS on your team can be the difference between staying within budget—or blowing it.

When Do You Need To Hire A Quantity Surveyor In NZ?
Hiring a quantity surveyor (QS) in New Zealand isn’t always top of mind when planning a building project—but it can be one of the smartest decisions you make. Knowing when to bring a QS on board can help you stay on budget, avoid nasty surprises, and keep your entire project running smoothly. So, when exactly should you hire one? Let’s break it down by key stages and project types.
Planning And Pre-Construction: The Ideal Time To Bring In A QS
The best time to hire a quantity surveyor is during the early planning stages—ideally before any work begins. At this point, a QS can help you with cost estimation, feasibility studies, and budget forecasting. This is especially valuable if you’re still deciding whether your project is financially viable or if you’re juggling multiple design options.
Bringing a QS in early means you’ll get accurate pricing guidance before locking in plans with an architect or submitting anything to council. This can save you from having to make costly changes later on when budgets are stretched.
Mid-Project: Still Valuable If You’re Already Underway
Even if construction has already started, hiring a QS mid-project can still be incredibly useful. Maybe you’re running into budget issues, dealing with variations, or struggling to track contractor costs. A good quantity surveyor can jump in to manage expenses, monitor claims, and help resolve disputes if needed.
In short, it’s never really “too late” to get expert financial oversight—especially if things aren’t going quite as planned.
Renovations Vs. New Builds: Which Projects Need A QS Most?
If you’re doing a large-scale renovation or building from the ground up, having a QS on your team is a smart move. These projects often involve multiple contractors, shifting costs, and unforeseen complications. A QS helps bring structure and clarity to the financial side of things, so you can focus on the creative or practical decisions.
For smaller renovations—like a single room update or a basic kitchen remodel—you may not need a full-service quantity surveyor. In these cases, a builder’s quote might be enough, especially if you’re working with a trusted contractor and keeping things simple.
When It Might Not Be Essential (And That’s Okay)
Let’s be honest—not every project requires a quantity surveyor. If your budget is tight, the project is very small, or you’re using a design-build company that already provides cost management, hiring a separate QS might be unnecessary.
That said, even in these situations, getting a QS for a one-off cost estimate or second opinion can still give you peace of mind. Think of it as a small investment in avoiding bigger financial headaches down the track.

How To Choose The Right Quantity Surveyor
Hiring a quantity surveyor in New Zealand is an important step toward ensuring your building project runs smoothly and stays within budget. But with so many professionals out there, how do you know which one is the right fit for your project? Whether you’re planning a new build, a renovation, or a commercial development, choosing the right quantity surveyor can make a huge difference in the outcome. Here’s what to look for when making your decision.
Check For Qualifications And Professional Memberships
Not all quantity surveyors are created equal. A qualified QS should have a relevant tertiary degree in quantity surveying or construction economics. But more importantly, they should be a member of a recognized professional body, such as.
Membership in these organizations shows that the QS follows industry standards, stays up to date with regulations, and adheres to a professional code of ethics.
Look At Their Experience With Similar Projects
Experience matters—especially if your project has unique requirements. Ask potential QS candidates about the types of projects they’ve worked on before. Have they handled similar residential builds, commercial spaces, or complex renovations?
A quantity surveyor who has experience with projects like yours will be better equipped to anticipate challenges, provide accurate estimates, and suggest cost-effective solutions.
Ask For Past Project Examples Or Testimonials
A trustworthy QS will have a track record they’re proud to share. Don’t be afraid to ask for examples of past projects or client testimonials. These real-world references offer valuable insight into how they work, communicate, and manage budgets.
Better yet, check Google Reviews or ask if you can contact a past client directly for honest feedback.
Evaluate Their Communication Style And Responsiveness
Even the most skilled quantity surveyor won’t be helpful if they’re hard to reach or poor at communicating. Pay attention to how quickly they respond to your emails or calls. Are they clear when explaining costs and processes? Do they take the time to understand your goals?
Good communication is key to avoiding misunderstandings, especially when timelines and budgets are involved.
Make Sure They Understand Local Council Requirements
Building in New Zealand comes with its own set of local regulations and council processes. Your QS should be familiar with these requirements—especially in your specific region or district. This can save you from costly delays and ensure your documentation and compliance are handled correctly.
It’s also a bonus if they have established relationships with local builders, planners, and inspectors.
Quick Checklist: What To Look For In A Quantity Surveyor
- NZIQS or RICS membership
- Solid portfolio of similar projects
- Positive client reviews or testimonials
- Transparent and timely communication
- Knowledge of local council regulations and building processes
- Willing to provide a clear scope of work and pricing breakdown
- Comfortable working with your architect or builder
Choosing the right quantity surveyor isn’t just about ticking boxes—it’s about finding someone who understands your vision, respects your budget, and communicates clearly from day one. Take the time to vet your options carefully, and you’ll set your project up for success.

Where To Find A Reputable Quantity Surveyor In NZ
Finding the right quantity surveyor in New Zealand doesn’t have to be overwhelming—especially if you know where to look. Whether you’re building from the ground up or managing a renovation, working with a trustworthy professional can save you time, money, and stress. Here are some of the most reliable ways to find a reputable quantity surveyor in NZ.
Online Directories Like NZIQS
One of the best starting points is the New Zealand Institute of Quantity Surveyors (NZIQS). Their online directory features registered professionals who meet national standards and follow a code of ethics. You can search by region, specialty, or company to find a QS that suits your project. Hiring someone listed on NZIQS gives you peace of mind that you’re working with a qualified and accredited expert.
Recommendations From Architects, Builders, Or Friends
Word of mouth still goes a long way—especially in the building industry. If you’re already working with an architect or builder, ask who they’ve worked with before. Professionals often have trusted QS partners they collaborate with regularly. Friends, family, or colleagues who’ve recently completed construction projects can also be a great source of honest feedback and personal recommendations.
Local Facebook Groups, Houzz, And Other Community Platforms
You’d be surprised how helpful community-based platforms can be. Local Facebook groups, especially those focused on home renovations or building in NZ, often have real people sharing experiences and referrals. Sites like Houzz also allow you to browse QS profiles, read reviews, and see examples of past work. These platforms provide a more casual, yet still valuable way to gauge credibility and fit.
Google Reviews And How To Evaluate Them
While Google reviews are easy to find, they’re only helpful if you know how to read between the lines. Look for quantity surveyors with consistent 4 to 5-star ratings and multiple reviews—not just one or two. Pay attention to comments about communication, accuracy of cost estimates, and overall professionalism. Reviews that mention specific details (like how the QS handled budget changes or resolved issues) are often more trustworthy than vague praise.
Don’t base your decision on price alone. A cheaper QS who lacks experience might cost you more in the long run if their estimates are off or if they miss key details.
By combining formal directories with real-world feedback, you’ll have a much better chance of finding someone who’s the right fit for your project. Take your time, ask the right questions, and trust your instincts—because the right quantity surveyor can make your build significantly smoother and more successful.

Questions To Ask Before Hiring A Quantity Surveyor In NZ
Hiring the right quantity surveyor (QS) can make or break the success of your building project. Whether you’re constructing a new home, managing a commercial build, or planning a complex renovation, it’s important to work with someone who is not only qualified—but also a good fit for your specific needs. Asking the right questions upfront can save you time, money, and unnecessary stress down the track.
Here are four essential questions to ask before hiring a quantity surveyor in New Zealand, plus a few red flags to be aware of.
“Have You Worked On Similar Projects?”
This is one of the most important questions you can ask. Quantity surveyors come from a wide range of backgrounds—some specialize in residential builds, while others may focus more on commercial developments or infrastructure projects. Asking about their past experience helps you gauge whether they’re familiar with the type, size, and complexity of your project.
If you’re building a home, for example, you’ll want someone who has hands-on experience with residential construction and knows how to navigate local council requirements, suppliers, and timelines. Don’t hesitate to ask for examples or case studies of similar projects they’ve worked on. Bonus points if they can share how they helped clients stay within budget or avoided potential pitfalls.
“How Do You Charge?”
Understanding the fee structure upfront is crucial to avoiding unexpected costs. Quantity surveyors in NZ typically charge in one of three ways: a fixed fee, an hourly rate, or a percentage of the total construction cost.
Each model has its pros and cons. A fixed fee offers predictability, while hourly rates can be more flexible if the scope is uncertain. A percentage-based fee is usually aligned with larger or more complex projects. Be sure to ask what’s included in the fee and whether there are any additional charges for site visits, variations, or contract administration.
A good QS will provide a clear, written quote that breaks down their services. If their pricing seems unusually low or vague, that’s a red flag.
“What’s Your Typical Timeline?”
Project delays can be costly and stressful. That’s why it’s important to know how quickly the quantity surveyor can start, how long it will take them to complete key deliverables (like cost estimates or tender evaluations), and how responsive they’ll be during the build.
Ask how they handle multiple clients and whether they have the capacity to give your project the attention it needs. A trustworthy QS will be honest about their availability and provide realistic timelines. They should also outline how often they’ll update you throughout the project.
“Will You Be Involved Throughout The Whole Build?”
Some quantity surveyors offer only pre-construction services, like cost planning and budgeting. Others provide full end-to-end support, including contract administration, variation management, and final cost reporting.
Clarify upfront whether they’ll stay involved for the duration of the project or just for specific phases. Having a QS who sees the project through to completion can help reduce miscommunications, manage disputes, and ensure your budget stays on track. If ongoing involvement isn’t included in their quote, ask about the cost of adding that service.
Watch Out For Red Flags
Not all quantity surveyors are created equal. Here are a few warning signs to look out for when interviewing potential QS professionals.
- Vague Estimates Or No Documentation: A professional QS should provide detailed, itemized estimates and a written scope of work.
- Poor Communication: If they’re slow to respond or unclear in their explanations during the early stages, it’s unlikely to improve once the project begins.
- Lack Of References Or Portfolio: A reputable QS will have no problem sharing past projects or client testimonials.
- Unclear Fee Structure: Be cautious if pricing is overly complicated or doesn’t specify what’s included.
Remember, this is a professional relationship that can span several months—sometimes longer. Trust your instincts. If something feels off, it’s okay to keep looking.
Asking these smart, practical questions before hiring a quantity surveyor can help you avoid common pitfalls and set your project up for success. It’s not just about qualifications—it’s about finding someone who understands your goals, communicates clearly, and adds genuine value to your build.

Understanding Quantity Surveyor Costs In NZ
Hiring a quantity surveyor in New Zealand is a smart investment for anyone managing a construction project, whether it’s a small home renovation or a full-scale commercial build. But before making that decision, it’s important to understand how quantity surveyors charge, what you can expect to pay, and how to avoid any budget surprises along the way.
Typical Pricing Models: Fixed Fee, Hourly Rate, Or Percentage Of Project
Quantity surveyors in NZ typically offer three main pricing models: fixed fees, hourly rates, and percentage-based fees. Each model suits different types of projects and budgets.
- Fixed Fee: This is a popular option for clearly defined projects. You agree on a set price upfront based on the scope of work. It offers predictability and peace of mind, especially for homeowners and small developers who need cost certainty.
- Hourly Rate: Ideal for smaller or less-defined jobs where the scope may change. You’ll pay based on the time spent, usually between $100 and $250+ per hour, depending on the QS’s experience and location.
- Percentage Of Project Cost: Some quantity surveyors charge a percentage of the total construction cost, typically ranging from 1% to 3%. This is more common in larger or complex builds, as it scales with the size and risk of the project
Each pricing model has its pros and cons, so it’s worth discussing options with your QS to find the one that fits your project best.
General Cost Ranges For Small Vs. Large Projects
The cost of hiring a quantity surveyor can vary widely based on the size, complexity, and location of your project. Here’s a rough guide to what you might expect in New Zealand.
- Small Residential Projects: For renovations or builds under $500,000, a fixed fee might range from $2,000 to $6,000, depending on what’s included.
- Medium to Large Projects: For builds between $500,000 and $2 million, expect to pay $7,000 to $15,000+, or possibly a percentage-based fee.
- Large Commercial or Complex Projects: These often involve ongoing support throughout the build, so fees may exceed $20,000 or be structured as a scalable percentage.
Keep in mind that pricing can also vary depending on the QS’s reputation, regional demand, and whether the project is in a major city or rural area.
What’s Usually Included In The Fee
It’s important to clarify exactly what services are included in the quoted fee. Most quantity surveyors offer a package of services that may include.
- Preliminary Budget Estimates: Based on architectural plans and early concepts.
- Detailed Cost Plans: A breakdown of costs by trade or material.
- Tender Documentation And Evaluation: Helping you choose the right builder or contractor.
- Contract Administration: Monitoring progress payments, variations, and financial reporting during the build.
- Post-Completion Cost Reporting: Final cost summaries and reconciliations.
Some QS services are bundled, while others may be offered à la carte. Always ask for a clear breakdown so you know exactly what you’re paying for.
Tips To Avoid Surprise Costs
To ensure there are no unexpected fees down the road, here are some practical tips.
- Get A Detailed Quote In Writing: Make sure the scope of work, pricing model, and deliverables are clearly outlined.
- Clarify What’s Excluded: Sometimes tasks like site visits, variation management, or legal advice come at an extra cost.
- Watch For Scope Creep: If your project grows beyond the original plan, your QS may need to revise their fee. Keep communication open.
- Ask About Disbursements: These are out-of-pocket expenses like printing or travel—check if they’re included in the quote.
A good quantity surveyor will be upfront about their fees and willing to answer any questions. Transparency is a key part of building trust—and avoiding nasty surprises later.

Benefits Of Hiring A Quantity Surveyor Early
When it comes to construction—whether you’re building a home, adding an extension, or managing a commercial project—timing is everything. And one of the smartest moves you can make is hiring a quantity surveyor (QS) early in the process. Many property owners wait until construction is well underway before bringing in cost experts, but doing so from the start can save you stress, time, and a significant amount of money. Here’s why getting a QS involved early is a game-changer.
Better Budget Forecasting
One of the biggest benefits of hiring a quantity surveyor early is accurate and realistic budgeting. Before a single nail is hammered, your QS can assess your plans and provide a detailed cost estimate based on current market rates in New Zealand. They’ll account for materials, labor, permits, and potential risks—so you’re not working with ballpark figures or guesswork.
This early insight allows you to make informed decisions about design changes, materials, or timelines before you commit. It also gives you a solid foundation when applying for financing or seeking quotes from contractors. Rather than overshooting your budget halfway through, you’ll have a clear roadmap from day one.
Fewer Disputes With Contractors
Construction disputes often boil down to one issue unclear expectations around costs and scope. A quantity surveyor helps eliminate these grey areas by providing precise documentation before work begins. This includes clear bills of quantities, contract reviews, and breakdowns of what’s included in the pricing.
With everything laid out, both you and your contractors are on the same page. This minimizes misunderstandings, reduces the risk of surprise charges, and helps you handle any disagreements professionally and objectively—without turning into costly delays or legal battles.
Smoother Project Flow
A QS does more than crunch numbers—they also play a big role in keeping your project organized and efficient. From the beginning, they can advise on timelines, procurement strategies, and risk mitigation. They often work closely with architects, engineers, and builders to make sure that what’s being designed can be built within your budget.
When potential issues are flagged early—whether it’s material lead times or contract gaps—you can address them before they become bottlenecks. The result? A project that flows smoothly from one phase to the next, with fewer hiccups and last-minute changes.
Avoiding Budget Blowouts Before They Happen
No one wants to hear the phrase “we’re over budget” halfway through a build. Unfortunately, it’s a common scenario—especially when there’s no QS involved early on. By proactively identifying cost risks, your QS helps prevent blowouts before they happen.
They’ll evaluate every aspect of your plans and flag anything that could cause financial strain down the road, such as underestimated siteworks or fluctuating material costs. This early intervention gives you time to tweak plans or allocate funds accordingly—so you stay in control of your budget from beginning to end.
Hiring a quantity surveyor early isn’t just a “nice to have“—it’s a strategic move that sets your entire project up for success. From reliable budgeting and fewer disputes to smoother progress and cost control, a good QS is like having a financial safety net for your build. And the earlier they’re involved, the more value they can deliver.

DIY Vs Professional Help: Is A QS Worth It?
When it comes to managing the financial side of a building project, it’s tempting to go the DIY route—especially with so many free cost estimation tools available online. But while those tools can give you a rough idea of what you might spend, they often fall short when it comes to accuracy, detail, and real-world application. That’s where a Quantity Surveyor (QS) comes in.
When A Cost Estimate Tool Isn’t Enough
Online calculators and budget templates are great for quick ballpark figures, but they can’t account for the unique complexities of your specific project. Every build is different—site conditions, materials, contractor rates, council regulations, and design choices all play a role in the final cost. A QS brings real-world experience, local knowledge, and access to up-to-date market rates, giving you a tailored estimate that reflects your actual situation—not just an average guess.
Unlike static tools, a professional QS can flag potential risks early, break down costs by trade, and adjust estimates as your plans evolve. This level of detail helps you avoid under-budgeting, which is one of the most common reasons projects blow out financially.
Risks Of Not Using A QS
Choosing not to involve a Quantity Surveyor can save you some upfront costs, but it can lead to bigger financial problems down the line. Without professional cost control, you’re more likely to encounter.
- Budget overruns due to unforeseen expenses or inaccurate early estimates
- Contract disputes from unclear or incomplete documentation
- Legal issues if payment claims or contract variations aren’t managed properly
- Stress and delays, as financial uncertainty can affect timelines and decision-making
In short, skipping a QS might seem like a cost-saving move, but it often ends up being a false economy. Having a qualified expert oversee the numbers adds a layer of security and predictability that’s hard to replicate on your own.
When It Might Be Okay To Skip It
That said, there are cases where hiring a QS might not be essential. If you’re doing a small renovation with a clearly defined scope—say, updating a bathroom or adding a deck—and you’re working with a trusted, experienced builder who provides transparent quotes, you might be able to manage without one.
Still, it’s wise to get at least a one-time consultation with a QS if you’re unsure. A quick cost review or budget check can go a long way in confirming you’re on the right track, even if you don’t need full project oversight.
Hiring a Quantity Surveyor isn’t always necessary, but for most medium to large-scale projects, it’s absolutely worth the investment. Their ability to manage costs, avoid surprises, and keep your budget on track can make the entire build experience smoother and less stressful. At the end of the day, peace of mind is priceless—especially when building or renovating your home.
Find the right quantity surveyor and get expert support from day one. Head over to Quantity Surveyor Wellington to explore how we can help you build smarter in NZ.

FAQs: About How To Find The Best Quantity Surveyor For Your Project In NZ
What is a quantity surveyor and what do they do?
A quantity surveyor (QS) is a construction cost expert who helps manage all financial aspects of a building project. Their responsibilities include estimating costs, preparing budgets, managing contracts, evaluating tenders, and monitoring expenses throughout the build. Their goal is to ensure your project stays on budget and runs smoothly from start to finish.
Do I really need a quantity surveyor for a small renovation?
Not always. For minor renovations with a clear scope and a trustworthy builder, you might not need a QS. However, if your renovation is complex or you’re concerned about staying on budget, a quantity surveyor can add significant value by providing accurate cost estimates and avoiding surprises.
When is the best time to hire a quantity surveyor?
Ideally, you should hire a QS in the early planning stages—before construction begins. This allows them to help with accurate budgeting, tendering, and cost planning, which can save you time and money in the long run. They can also be brought in during the build to monitor spending or resolve disputes.
How do I find a qualified quantity surveyor in New Zealand?
You can find qualified QS professionals through the New Zealand Institute of Quantity Surveyors (NZIQS) directory, online search platforms, referrals from architects or builders, or by reading reviews on Google and social media. Always check their qualifications and ask about their experience with similar projects.
What qualifications should a quantity surveyor have in NZ?
In New Zealand, look for QS professionals who are members of NZIQS or the Royal Institution of Chartered Surveyors (RICS). A relevant tertiary qualification in quantity surveying or construction management is also important. Membership in professional bodies ensures they follow industry standards and ethics.
How much does a quantity surveyor cost in NZ?
Costs vary depending on the project size, complexity, and the QS’s pricing model. Some charge a fixed fee, others work hourly, or take a percentage of the total build cost. For residential projects, fees often range from $2,000 to $10,000+. Always ask for a detailed quote upfront.
What questions should I ask before hiring a quantity surveyor?
Ask about their experience with similar projects, their fee structure, what services are included, how they handle variations, and how often they provide updates. Good communication and transparency are essential for a smooth working relationship.
Can a QS help prevent budget blowouts?
Yes, that’s one of their key roles. A QS helps identify hidden costs, ensures the scope matches your budget, and monitors expenses during construction. They can also assist in negotiating contracts and managing variations to keep your costs under control.
Are quantity surveyors only for large commercial projects?
Not at all. While they’re essential for commercial developments, quantity surveyors are just as helpful for residential builds, renovations, and even small projects where budget management is important. Their expertise can benefit any project, big or small.
What’s the difference between a quantity surveyor and a project manager?
A quantity surveyor focuses on cost control and financial management, while a project manager oversees the entire construction process, including scheduling, team coordination, and site supervision. In many projects, both roles work together to ensure success.
Conclusion
Hiring a quantity surveyor in New Zealand might sound like a big step, but it’s actually one of the smartest moves you can make to protect your budget and ensure your building project runs smoothly. Whether you’re planning a home renovation or managing a larger development, having a qualified QS on your side means you’re not guessing when it comes to costs—you’re making informed decisions. The main takeaway here is simple: know what you need, ask the right questions, and look for someone with proven experience in similar projects. Don’t be intimidated by the process; most quantity surveyors offer free, no-obligation consultations, so you can have a conversation before making any commitments. Taking that first step is easier than you think—and it could save you thousands down the track.